Compare San Luis, CO Car Insurance Rates (2021)

Car insurance in San Luis, CO averages $303 a month. San Luis, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap San Luis car insurance rates, compare quotes from the top car insurance companies in San Luis, CO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in San Luis for teen drivers is GEICO
  • Average car insurance rates in San Luis, CO are $3,639/year
  • The cheapest car insurance company in San Luis is GEICO

If you need to buy San Luis, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in San Luis, CO is right here.

You’ll find San Luis car insurance rates, the cheapest San Luis, CO car insurance companies, and information on Colorado car insurance laws. You can also compare San Luis, Colorado car insurance rates to Denver car insurance rates, Aurora car insurance rates, and Colorado Springs car insurance rates.

Ready to find affordable San Luis, CO car insurance today? Enter your ZIP code for fast, free San Luis car insurance quotes.

Cheapest San Luis, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Luis, CO car insurance rates? Every San Luis, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Luis, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,141 $2,952 $2,815 $2,846 $10,448 $10,948 $3,491 $3,527
American Family $2,405 $2,405 $2,169 $2,169 $5,833 $7,813 $2,405 $2,955
Farmers $3,082 $3,054 $2,793 $2,994 $11,393 $11,495 $3,409 $3,478
GEICO $1,596 $1,740 $1,657 $1,854 $4,950 $5,273 $1,469 $1,513
Liberty Mutual $1,981 $1,963 $1,677 $1,837 $5,363 $5,839 $1,998 $2,034
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,483 $2,333 $2,135 $2,137 $8,030 $8,988 $2,804 $2,737
State Farm $2,021 $2,021 $1,806 $1,806 $5,705 $7,248 $2,258 $2,671
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

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Minimum Car Insurance in San Luis, CO

Every driver must carry the minimum car insurance in San Luis, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in San Luis, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest San Luis, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in San Luis, CO. Compare credit history car insurance rates in San Luis from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in San Luis, Colorado

Insurance Company Poor Fair Good
Allstate $6,409 $4,927 $3,727
American Family $4,580 $3,253 $2,724
Farmers $6,049 $4,915 $4,672
GEICO $3,008 $2,506 $2,005
Liberty Mutual $4,073 $2,467 $1,970
Nationwide $3,990 $3,154 $2,751
Progressive $4,521 $3,837 $3,510
State Farm $4,436 $2,847 $2,292
USAA $4,757 $2,700 $2,160

Cheapest San Luis, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Luis, CO to rates for a clean record with top companies.

Annual San Luis, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,309 $4,931 $5,987 $4,858
American Family $2,601 $3,699 $4,827 $2,949
Farmers $4,401 $5,647 $5,572 $5,229
GEICO $1,784 $2,745 $3,166 $2,331
Liberty Mutual $2,469 $2,904 $3,038 $2,935
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,439 $4,737 $3,630 $4,018
State Farm $2,945 $3,438 $3,192 $3,192
USAA $2,344 $2,849 $4,987 $2,642

Cheapest San Luis, CO Car Insurance for Teen Drivers

Teen car insurance in San Luis, CO can be expensive. Take a look at rates from the top car insurance companies in San Luis for teenagers.

Annual Car Insurance Rates for Teen Drivers in San Luis, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,448 $10,948
American Family $5,833 $7,813
Farmers $11,393 $11,495
GEICO $4,950 $5,273
Liberty Mutual $5,363 $5,839
Nationwide $5,513 $7,064
Progressive $8,030 $8,988
State Farm $5,705 $7,248
USAA $5,325 $6,108

Cheapest San Luis, CO Car Insurance for Seniors

Take a look at San Luis, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in San Luis, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,815 $2,846
American Family $2,169 $2,169
Farmers $2,793 $2,994
GEICO $1,657 $1,854
Liberty Mutual $1,677 $1,837
Nationwide $1,977 $2,093
Progressive $2,135 $2,137
State Farm $1,806 $1,806
USAA $2,042 $2,056

Cheapest San Luis, CO Car Insurance Rates After a DUI

A DUI in San Luis, CO increases car insurance rates. Compare San Luis, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in San Luis, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,987
American Family $4,827
Farmers $5,572
GEICO $3,166
Liberty Mutual $3,038
Nationwide $4,398
Progressive $3,630
State Farm $3,192
USAA $4,987

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Cheapest San Luis, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Luis, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in San Luis, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,021 $5,021
American Family $3,444 $3,594
Farmers $5,212 $5,212
GEICO $2,454 $2,559
Liberty Mutual $2,836 $2,836
Nationwide $3,298 $3,298
Progressive $3,956 $3,956
State Farm $3,113 $3,270
USAA $3,115 $3,296

The Best Cheap Car Insurance Companies in San Luis, CO

Take a look at a side-by-side comparison of the top car insurance companies in San Luis, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in San Luis, Colorado

Insurance Company Average Annual Rates
Allstate $5,021
American Family $3,519
Farmers $5,212
GEICO $2,507
Liberty Mutual $2,836
Nationwide $3,298
Progressive $3,956
State Farm $3,192
USAA $3,206

Category Winners: Cheapest Car Insurance in San Luis, Colorado

Find the cheapest car insurance companies in San Luis, CO for each category right here.

Best Annual Car Insurance Rates by Company in San Luis, Colorado

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

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Cheapest San Luis, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Luis car insurance rates. Find the cheapest San Luis, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in San Luis, Colorado

Insurance Company Low Medium High
Allstate $4,755 $5,004 $5,305
American Family $3,354 $3,592 $3,610
Farmers $4,666 $5,151 $5,819
GEICO $2,316 $2,473 $2,731
Liberty Mutual $2,691 $2,826 $2,992
Nationwide $3,323 $3,295 $3,276
Progressive $3,688 $3,965 $4,214
State Farm $2,994 $3,194 $3,387
USAA $3,077 $3,205 $3,334

What affects car insurance rates in San Luis, Colorado?

What factors can have an impact on San Luis, CO car insurance? There are several reasons why San Luis car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Luis, Colorado.

Commute Time in San Luis

The more time you spend in your car the higher the risk of an accident. The average commute length in San Luis, CO is 24.2 minutes according to City-Data.

Traffic in San Luis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. San Luis, CO traffic data from INRIX ranks San Luis as the 106th-most congested in the world.

Compare Car Insurance Quotes in San Luis, CO

Ready to find affordable San Luis, Colorado car insurance today? Enter your ZIP code for fast, free San Luis, CO car insurance quotes.

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Average Monthly Car Insurance Rates by State